Terms & Conditions of Use

By accessing the Merlin (accessible via https://askmerlin.co) website (“Merlin”) You agree to be bound by this Terms & Conditions of Use (the “Agreement”). If You wish to utilize Merlin or make use of the services provided, please read this Agreement carefully. If You do not accept and agree to be bound by all of the terms and conditions of this Agreement or You do not meet or comply with its provisions, You must immediately discontinue Your usage of Merlin. Continued use of Merlin will constitute acceptance of this Terms & Conditions of Use, as may be amended from time to time.

This Agreement also includes Our Privacy Policy and any notices regarding Merlin.

Proprietary Rights

Merlin is powered by Trunk Tech Pte Ltd, UEN 201705723K, a registered company in Singapore, hereinafter jointly referred to as (“We/Us”).

The materials located on Merlin, including the information as well as any software programmes available on or through Merlin ("the Contents"), are protected by copyright, trademark and other forms of proprietary rights. All rights, title and interest in the Contents are owned by, licensed to or controlled by Trunk Tech Pte Ltd.

In this Terms & Conditions of Use, "We", "Our" and "Us" refers to both Trunk Tech and relevant Third Party Vendors we work with and "You" and "Your" is defined to any person who accesses and uses Merlin. "Communications" means any communication including but not limited to communications by email between Us and Our users. "Contribution" means the contributions of the users to Merlin including but not limited to the text and/or images in the blog posts or elsewhere in Merlin.

Updates and Revisions to Terms & Conditions of Use

We reserve the right to change these Terms & Conditions of Use from time to time without prior notice. All changes will be posted on this page, and Your use of Merlin after such changes will constitute Your agreement to the modified Terms & Conditions of Use and all of the changes. You should therefore read this page carefully each time You use Merlin.

Accessing Our Application

We strive to keep Merlin accessible at all times. However, We are not responsible for any direct or indirect losses that may arise from the inability to access, visit and/or the reliance on the information provided within Merlin.

We reserve the right to withdraw or amend the services We provide on Merlin without notice. We do not guarantee that Merlin will be fully or partially operational all the time.

Restriction on Use of Materials

Except as otherwise provided, the Contents of Merlin shall not be reproduced, republished, uploaded, posted, transmitted or otherwise distributed in any way, without Our prior written permission.

Modification of any of the Contents or use of the Contents for any other purpose will be a violation of Our copyright and other intellectual property rights. Graphics and images on Merlin are protected by copyright and may not be reproduced or appropriated in any manner without the written permission of their respective copyright owners.

Reliance on Information Posted

We provide general information for Your knowledge and comparison purposes. Thus, We do not purport to be a financial, legal, tax or professional advisor. Nothing on Merlin can be construed as financial, legal or any other professional advice. You should always check with the relevant financial institution/professionals on the suitability, accuracy and full contract terms of the product that You are interested in.

Any information provided by Us is to be used at Your own discretion and judgement.

We strive to provide accurate information and unbiased opinions. We are not responsible in any way if any information on Merlin is found to be inaccurate or contain any errors and/or omissions.

The information on insurance products provided and/or the insurance products listed are not exhaustive.

Rights to Modify

We reserve the rights to modify, add, delete or move any information, content, material and/or data within Merlin at any appropriate time, without any notice to You. You will be deemed to have acknowledged and agreed to the amended Term & Conditions of Use if You continue to use Merlin after the changes have taken effect. You are reminded to check for updates to this Term & Conditions of Use prior to using Merlin.

Links from Our Application

Any third-party website links provided as part of Our service to You shall not be deemed as an endorsement by Us of any third-parties. Third-party websites are governed by their own Terms & Conditions of Use and/or Privacy Policies and thus, We have no control over them. You may access the third-party websites at Your sole discretion and risk. We will not be liable for any loss, damages and/or any misrepresentation You may incur either direct or indirectly, arising from Your access to any third-party websites.

Our Liability

The material or contents displayed in Merlin is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, We hereby expressly exclude:

  • all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity; and
  • any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with the services or access to Merlin and any materials posted on it.

We expressly exclude liability for consequential loss, damage or corruption to other software or data or for loss of profit business revenue or goodwill incurred by You or a user.

To the maximum extent permitted by applicable law, in no event will We be liable for any damages whatsoever, whether direct, indirect, general, special, compensatory, consequential, and/or incidental, arising out of or relating to the conduct of You or anyone else in connection with the use of Merlin, including, without limitation, bodily injury, emotional distress, and/or other damages resulting from use of Merlin.


We are not responsible for any incorrect or inaccurate content posted on Merlin, whether caused by users of Merlin or by any of the equipment or programming associated with or utilized in Merlin.

We are not responsible for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorised access to, or alteration of, user or user communications.

Under no circumstances will We be responsible for any loss or damage, including personal injury or death, resulting from anyone's use of the Merlin or reliance on any Content posted on Merlin or transmitted to users, or any interaction or contact between users of Merlin, whether online or offline.

We do not, at any time, underwrite, originate, or issue insurance policies and/or insurance contracts. The underwriting, origination, and issuance of the insurance policies and/or insurance contracts are the sole provision and responsibility of the respective insurance company that a user may contract with through Merlin. Thus, claims or disputes in relation to policy/contract or any policies, liabilities, coverage, or responsibilities relating to an insurance policy purchased or reviewed via Merlin (directly or indirectly) remain the sole responsibility of the insurance company that provided that policy/contract.. We are not liable and/or responsible to mediate, assist, convey, or dispute any claims or other issues related to the liability, coverage, or scope of any insurance product.

The Contents contained on Merlin have been obtained from sources represented to be reliable to Us, but no representation, expressed or implied, is made with respect to the accuracy or completeness of the information or opinions contained herein. We thus assume no responsibility and no consequential or other liability arising in any way from the use of the content, or parts thereof.

Please also note that We will not be liable for any mistakes, errors, or omissions that may occur during the electronic processing of any transactions on Merlin. We will use our best efforts to ensure that any mistake, error, or omission is corrected when discovered. Users should inform Us in the event of their discovery of any mistake, error, omission, and/or update in the policies/contracts or their user details.

We do not guarantee that Merlin is free of any viruses or anything that may be harmful technologically.

We are not responsible for the conduct, whether online or offline, of any user of Merlin.

We are not responsible for any problems or technical malfunction of any telephone network or lines, computer online systems, servers or providers, computer equipment, software, failure of email or players on account of technical problems or traffic congestion on the internet or at any website or combination thereof, including injury or damage to users or to any other person's computer related to or resulting from participating or downloading materials in connection to Merlin.

Merlin is for informational purposes only. To the maximum extent allowed by applicable law, We provide Merlin and service on an "as is" and "as available" basis and grants no warranties of any kind, either express, implied, statutory or otherwise with respect to Merlin (including all Content contained therein) including (without limitation) any implied warranties of satisfactory quality, merchantability, fitness for a particular purpose, expectations of privacy, or non-infringement. We do not warrant that Merlin will be uninterrupted or error-free, secure, or that any defects or errors will be corrected. Any material downloaded or otherwise obtained through the use of Merlin is accessed at Your own discretion and risk, and You will be solely responsible and hereby waive any and all claims and causes of action with respect to any damage to Your computer system, internet access, download or display device, or loss or corruption of data that results or may result from the download of any such material. If You do not accept this limitation of liability, kindly refrain from downloading or obtaining any material through Merlin.

With respect to Our responsibility for Your use of Merlin, it is important to bear in mind that although We endeavour to ensure that it is updated and correct at all times, We do rely on third parties to provide information to Us so that We can make it available to You. From time to time, We may make third-party opinions, advice, statements, offers, or other third-party information or content available on Merlin. All third-party content is the responsibility of the respective authors thereof and should not necessarily be relied upon. Such third-party authors are solely responsible for such content. We do not:

  1. guarantee the accuracy, completeness, or usefulness of any third-party content on Merlin, or
  2. adopt, endorse or accept responsibility for the accuracy or reliability of any opinion, advice, or statement made by any party that appears on Merlin. Under no circumstances will We be responsible or liable for any loss or damage resulting from Your reliance on information or other content posted on Merlin or service, or transmitted to or by any user.

You specifically acknowledge and agree that We are not liable for Your defamatory, offensive, infringing or illegal materials or conduct or that of third parties, and We reserve the right to remove such materials from Merlin without liability.

We reserve the right to update Merlin at any time. Merlin is currently accessible via Android and iOS devices as well as website – the requirements for Android and iOS systems (and for any additional systems We decide to extend the availability of the application to) may change, and You will need to download the updates if You want to keep using Merlin. We do not promise that We will always update Merlin so it is relevant to You and/or works with the iOS/Android version that You have installed on Your device. We may also wish to stop providing Merlin, and may terminate use of it at any time without giving notice of termination to You. Unless We tell You otherwise, upon any termination, (a) the rights and licenses granted to You in these terms will end; (b) You must stop using Merlin, and (if needed) delete it from Your device.

Governing Law

These Terms & Conditions of Use shall be governed and construed in accordance with laws of Singapore.

Last Update

This agreement was last updated and revised on 16 June 2021.

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